Which endorsement limits coverage for bodily injury or property damage from mold?

The Limited Fungi or Bacteria Coverage endorsement is designed specifically to provide a measured level of coverage related to bodily injury or property damage caused by mold or bacteria. This endorsement typically restricts the coverage to situations that are clearly defined within the policy, often subject to specific limitations or caps on the amount payable for claims arising from mold-related incidents. By using this endorsement, insurers aim to clarify the extent of coverage, as mold claims can often lead to significant disputes and costs.

This limited coverage is generally offered to address the complexities and concerns involved with mold, which can often lead to extensive remediation efforts and potential health issues. The endorsement may define the circumstances under which coverage applies, ensuring that policyholders understand their protection limits specifically regarding fungal infections and property damage related to bacteria.

In contrast, the other options either represent exclusions or broader environmental concerns, which do not specifically tailor coverage for mold-related issues in the same nuanced way as the Limited Fungi or Bacteria Coverage endorsement.